1. The steps for handling credit cards include submitting applications, reviewing information, making cards, and approving card issuance.

2. As long as the application materials are complete, it will take 8 working days to review your application materials from the audit department.

3. After the approval, the card will be made for the customer within 2 working days.

4. Send it to the customer by registered mail according to the billing address. The sending time of registered letter is within 15 days.

5. It takes 15~40 days to process a credit card, and the time for mailing the card will vary greatly. If it is in a remote place, the time may be longer.

Extended data:

Precautions for credit card use

1. Credit cards still have to pay an annual fee. The annual fee for ordinary cards ranges from 30 yuan to 500 yuan, but most banks have preferential policies, such as annual fee exemption for the first year, or annual fee exemption for swiping cards for a certain number of times a year. High-end cards such as platinum cards inevitably have to pay an annual fee.

2. When handling a credit card, the cardholder must ask whether the credit card he handles can be exempted from the annual fee, whether to charge the annual fee if he does not open the card, and how many times he swipes the card, so as to avoid the annual fee and bear the losses. Most banks have an annual fee-free policy. You can waive the annual fee for a certain amount or number of transactions. Don't think that if you don't use that card, you won't have to pay.

3. Credit cards usually have an interest-free period of 20 -50 days. At present, the longest interest-free period is 56 days. There is no interest on overdraft consumption during the interest-free period. Cardholders need to enjoy the interest-free period correctly, repay in time when due, and do not generate overdue interest. The interest on overdue repayment shall be unified at the daily interest rate of 0.5 ‰, with monthly compound interest. Therefore, timely repayment is very important.